Wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system

ABSTRACT

Wireless Electronic Check Deposit Scanning and Cashing Machine (also known and referred to as WEDS) Web-based Online account cash Management computer application System (also known and referred to as OMS virtual/live teller)—collectively invented integrated as “WEDS.OMS” System. Method and Apparatus for Depositing and Cashing Ordinary paper and/or substitute checks and money orders online Wirelessly from home/office computer, laptop, Internet enabled mobile phone, pda (personal digital assistant) and/or any Internet enabled device. WEDS enables verification and transmittal of image, OMS is the navigation tool used to set commands and process requests, integrated with WEDS, working collectively as WEDS.OMS System.

CROSS REFERENCE TO RELATED APPLICATIONS

This application claims the benefit of U.S. Provisional Application No.60/532,416, filed Dec. 23, 2003.

This application claims the benefit of U.S. Provisional Application No.60/515,912, filed Oct. 30, 2003.

BACKGROUND OF THE INVENTION

1. Field of the Invention

The present invention generally relates to a method and apparatus forWirelessly depositing paper checks that are deposited from homecomputer, desktop office computer, mobile device that is Internetcapable, laptop computer, Internet capable pda (personal digitalassistant), and/or any other working device that allows one access tothe Internet through wireless solutions—which is wirelessly scanned anddelivered through the Wireless Check (deposit) Scanning Machine—wherethe endorsed check image is captured, and wirelessly transmitted to awireless computer network, that is linked and delivered to the onlineaccount management system (OMS), which acts as a virtual teller byreceiving and confirming the check image data on the user's/depositor'saccount (ie. routing number, checking account number on the endorsedcheck image, dollar amount of the check, date of the check, checkowner's name, and bank name, etc.)—where user logs on to enter thedollar amounts and figures into their online account management systemAccount, to initiate and begin process of check deposit request;verifying check data through user/depositor online data verification;submitting request to move funds (for written amount of the endorsedcheck image) from check owner's bank checking account intouser's/depositor's bank account—serving as an electronic funds transfer.This web-based cash management application solution program controls theprocessing of the check using a secure format (OMS), while the Wirelesscheck scanning Device wirelessly securely transmits the data to thewireless computer network that links to the user's online account(operated and controlled by the OMS). This enablement opens the door forGlobal Banking, with a limitless variation of transaction (ie. business,personal, international) capacities. The check (once wirelesslydelivered to the system) controlled for deposit in the online accountmanagement system converts the check image into an electronic bankingtransaction (appearing as an electronic banking funds transaction—forexpedited processing and wiring of check deposit funds made available inuser/depositor checking account); in addition allowing theuser/depositor the capability of Cashing and Printing orders through theOMS process—once image has been received and delivered to the OMSthrough WEDS, the user is then able to verify document type (ie.Personal check, Business check, Money Order) for request to deposit, orcash the check/money order. The deposit takes process through user logonand verification of check depositor and check owner's banking data andauthorization, along with the system authenticity of document and usercheck. The check cashing option occurs when user has web cam hooked up,and destination of the user's ISP (Internet service provider address andlocal computer network to detect where communication from user'scomputer is coming from) so user can be located, and his/her destinationat time of transaction request can be located. User's picture is takenthrough a live image captured during the user's request; which shows theuser's action throughout the time of the transaction. Upon approval andverification of the check data and user data within the OMS system, theOMS live teller allows the funds to be electronically transferred intouser's account (EFT) at the point of transaction, which makes cashavailable to user immediately. The image of the check/money order isrecorded, and voided out, and notification is sent to the user's andcheck owner's bank/financial institution, and/or place where OMSpurchased money order on behalf of user—and documented into a web-basedOMS national system, so all check cashing stores, banks, and postoffices can be aware of all checks and money orders cashed throughWEDS.OMS system.

2. Background Description

With the booming Internet Information Age, the number or online usersare increasing both in the United States and overseas. There are morethan 32 million online banking customers in the U.S. and over 100million in Europe. As an effect of the high volume of users, people arelooking toward the Internet as an avenue to increase both personal andprofessional productivity, more particularly in the field of banking.

Banks in the U.S. spend $8 billion in processing checks, and the FederalReserve processes 42 billion checks per year. As the use and need ofchecks continue to grow and remain vital for business transactions andservices, depositing alternatives are greatly needed, so is the desirefor speedy availability of those funds in a convenient environment. Thecost and time associated with processing and depositing paper checksmanually decreases productivity and financial expenditures and laborspending levels. Small, medium, and large Businesses would increaseoffice productivity as well as save money in labor, and clear checksquicker by excluding the use of manual check processors (to deposit andscan checks for payment and/or deposit) and save time and money manuallyor processing a check deposit for individual customers and/or businessesbanking at the branch(es) and at check processing centers, check cashingcenters, and brokerage firms. Individual consumers will save money incheck processing fees and be encouraged to start and/or grow a bankingrelationship should an alternative method of banking be made availableto them at a lower cost, and without the inconvenience of waiting inline to deposit at the branch or ATM, then waiting again for the fundsto clear the bank. Should a new capability be developed where a computersystem can wirelessly scan and wirelessly deliver the check image to awireless network (such as this invention), that is linked to an onlineaccess point where the user/depositor can set preferences for onlinecheck deposit request, and be serviced online (in a virtual tellerenvironment—such as this invention), where the endorsed check imagedelivered is verified and deposited in a secure manner (processed as anEFT—electronic funds transfer, to expedite processing time frame forcheck deposit)—there will be less room for manual error, and longer thannecessary waiting time frames for deposit of check, and release offunds, in addition to excluding the need for travel time for thosewishing to deposit, or rely on obtaining funds immediately.

Online banking is an increasing market, where users are now capable ofgoing online to view their checking and savings account, transfer funds,and set up payment schedules online. However, their banking options arelimited, which give users less power to get things done without the needof going to a branch or visiting an ATM machine, when they'd ratherspend lunch eating, and spend their weekends at home with the family andloved ones.

Allowing deposit and cashing of checks online through Wireless scanning(WEDS) and wireless navigation (OMS) enables the user to finally takecontrol over their finances. With this invention, users are now able toperform the task of scanning a check for online deposit in a wirelessenvironment. The user may now wirelessly scan the endorsed check image,which is wirelessly delivered (WEDS) to a wireless network, which islinked to a main access point for the user to navigate commands online(the Account Management System or OMS). There is no longer a need for aserial cable or any other wire cable connection in order for theendorsed check image to be transmitted and delivered. This greatens theuser with the ability to bank with mobility; to bank while in transit.Users once unable to transmit endorsed check image without computerconnectivity port accessibility, are now able to exercise the option ofuse through USB cable, firewire cable, and (most important andconvenient) Through Wireless Transmission of data (endorsed check image)for delivery, receipt and processing; in addition to the OMS providingthe capability of paper/substitute-check cashing and money order cashingthrough a secured connection and picture capture of live web cam imageof the user once user is logged onto his/her account on the OMS.

Although electronic financial transactions are commonly operated andmaintained by giving the average banker power over their money, bothbusinesses and individual banking customers/clients have limited powerdue to the limited online banking options available to the onlinebanking user. In a survey conducted by International Data Corporation(IDC), 42% of users found processing transactions in the online bankingworld not very useful, or user friendly. Banks and financialinstitutions ultimately destroy banking/financial relationships becausethe customer is limited to the online banking transactions he or she canaccomplish, due to a lack of diversified banking solutions and limitedweb-based solutions offered to the user in a “user friendly”atmosphere-one of the many harvests (or fruits) brought to the world arenew, innovative technological advancements and evolutions are going fromnon-dial up options, to cable modem options, to broadband, to wirelessfidelity (Wi-Fi) options to expand user Internet capabilities. Becauseof the wireless wave of technology, consumers are now able to accomplishmore on their laptops and wireless devices (ie. mobile and pdadevices)—faster, and more efficient than ever. Being able to deposit acheck through the home and office provide the online user with advancedoptions, but having to connect to a computer (ie. Pc and/or maccompatibility) in order to accomplish the initial task of scanning tiesthe user to one particular spot in order to begin the process,ultimately excluding their options of mobile banking. There are over 5million Wireless Banking Consumers in the U.S. and 48 million in Europe;which will increase to 79 million by the end of 2004. As a result,users' are seeking expanded banking solution options, to cater to thefreedom of Mobile Life Productivity while in transit. The benefit ofthis invention (wireless electronic check deposit scanning machine withweb-based computer application [controller] system) will enhance whichenhance the quality of service that banks can provide to their customersand offer to prospective and new customers. Once people realize thattheir user power has increased, and their finances can be watched,controlled, and initiated at any time by the push of a button, Wirelessbanking will increase for corporations and individual banking consumersall across the world.

This invention allows bankers all across the continent to lessen theirlabor expenditures and manual operating costs, while increasing serviceoptions to their customers. Banking productivity will increase due toless paper processing. With the new Law, Check 21 century act (as ofOctober 2004), substitute checks will allow banks to decrease papertrails, by allowing substitutes of the checks to be accepted. Thisinvention will allow users and the banking industry to quickly adapt andmake a comfortable transition using this tool as a “banker's handyman”.

In the world of business, checks—be it paper or substitute will alwaysbe used, be it a businesses way of compensating a per project seasonalworker or contractor, brokerage firm using a check for account ownerrequest of funds, or compensating temporary workers (ie. Payroll checks)Financial institutions will have the need to use checks as a source ofcompensation for services, and Check Processing Centers will be there torecord, document, and process checks. Collection agencies and Insurancecompanies seek immediate compensation for debts and cost of services inthe form of checks. These type of transactions exist all over the UnitedStates and overseas—which increases the need for a higher more advanced,time efficient and effective tool. A tool that would allow one towirelessly scan and wirelessly transmit the endorsed paper and/orsubstitute check image (using the WEDS tool and OMS system), so thatpayments can be processed and deposited at a faster rate, withoutenduring the growing number and need of labor (previously needed andrequired) to individually process and deposit individual and bulk checksby hand. In addition, this serves as a great tool for individual user'swho haven't the time or transportation to wait in line at a branch orATM to make check deposits, then wait longer for the time frame for thefunds to be available. The WEDS machine with OMS web-based cashmanagement computer application system will change the way onlinebanking business is done, by diversifying user capabilities and optionsof online banking, based on the user need of productivity and mobilityby wirelessly transmitting paper check images, substitute checks, and/ormoney orders for cashing or depositing purposes (through WEDS—WirelessElectronic Check Deposit Scanning and Cashing Machine), and providing onthat same user system as a user platform for online, wireless navigationoptions and online banking processing of commands and requests (usingOMS—Web-based Online account cash Management computer applicationSystem).

For general reference on online banking and online banking options, seefor instance http://www.bankofamerica.com/online, Article: ZDNet:Internet banking proves popular Down Under (Source: Jupiter Research)“Europeans trust online banking services”.

For general reference on mobile banking, see for instanceHttp://www.nu.ie/surveys, Article: “European mobile phone users say yesto 3G” (Source: Taylor Nelson Sofres).

For general reference on electronic payment, “Electronic PaymentSystems”, by Donald O'Mahony, Michael Piercem and Hitesh Tewari, ArtechHouse, Boston 1997.

For general reference on wireless banking and wireless banking options,see for instance http://www.celent.com, Article: “Users of WirelessFinancial Services” (Source: Celent communications), andhttp://www.google.com, keyword: wireless banking.

For general reference on Check 21 Century Act (permitting use ofsubstitute checks), effective, October 2004, see for instancehttp://www.epaynews, Article “FDIC Advises Banks to Prepare for Check 21Act” (Source: Information Week), and http://epaynews.com, Article: BanksCan Use Check 21 to Regain Payments” (Source: Yahoo! News).

For general reference on Check truncation Act of 2003 (receiving checkimages instead of paper checks), see for instancehttp://www.bankrate.com Article: “Your canceled check is in the trash”(Source: BankRate).

PROBLEMS TO BE SOLVED

In order to deposit a check from an office computer, home computer,laptop, (Internet enabled) mobile device, (Internet enabled) pda(personal digital assistant), or nay other Internet enabled device(while in transit) the endorsed check image must be scanned andwirelessly transmitted to the wireless network it is linked to (in asecure manner), that is linked to a main access point where users cannavigate and set preferences for commands.

During this process of image recognition and wireless endorsed checkdata transmission, delivery to wireless network, and linking to mainaccess point, several security factors may arise. Security factors suchas site security, transmission of data security, user identity securityare recognized as main concerns.

The main problems to be solved can be formulated as follows:

1. Secure wireless transformation of ordinary (personal/business) paperand/or substitute checks into endorsed digital format and securetransmission delivered from the wireless computer network, linked to themain access point (online account management system) to process checkverification, and request to deposit of funds online (electronically)into user/depositor account. Wireless endorsed check scanning devicewill be linked to the wireless network, using TCP/IP, AppleTalk. IPX/SPXor a comparable language tool will be used to enable the wireless checkscanner device to wirelessly communicate with the computer network forreceipt and delivery to the OMS (for processing). The endorsed checkimage will be encrypted during transmission of data, and onlyretrievable once delivered from the computer network to the main accesspoint, which is authorized and accessible only through the secure site(online account management system) where user must log in to view,verify, and complete request for online check deposit transaction.

2. Multiple deposit (ie. fraudulent activity) of the same check (withoutprior written consent by check owner for payment schedule authorization)should be an extremely difficult task or execution. The online accountmanagement system will monitor, and log every check image received,requested for deposit, and transaction cleared for deposit. OMS willhave a preinstalled tracking system, which will recognize similardeposit requests and transactions that are requested, to prevent fraud.

The data from the image received and transmitted requires a variety ofspecified details (user login) to be recognized, confirmed, and verified(through the bank)—to the level where it is difficult to makeunauthorized online check deposit checks that do not meet theverification, and have not been authorized by OMS through authentic bankverification test.

During the transmission, the data is encrypted, and wirelessly sent froma computer network to a secure site (OMS) to where it is then deliveredand accessible to user/depositor through log in prompt which allowsaccess to their online account where the check information is thenverified by the user/depositor (check amount, check date, check routingnumber, checking account number, bank on check) where the OMS gainspermission to move the money (for the check amount listed) from thecheck owner's bank account, deposited into the user/depositor checkingbank account (through the Federal Reserve, and/or bankauthorization)—which appears in user/depositor's checking account as awireless/electronic transfer (to expedite deposit processing timeframe).

In relation to the security industry, difficult task, meaning the costand time consumption of surpassing or defeating the system would extendfar past the benefit.

Cashing, and/or depositing of money orders and/or checks online throughthe use of the OMS (through immediate EFT—electronic funds transfer) isunavailable to unregistered Software Device System users. Users must beregistered for WEDS (in order to send and deliver image to main accesspoint and WEDS computer network) through online OMS (for actualprocessing of request to cash and/or deposit money order or check), andmust log onto OMS system network before scanning and/or faxing the papercheck/substitute check/money order for immediate funds availabilitycashing, and must be connected to a live webcam, in order for OMS toaccept request and begin processing and capture image of user(equivalent to picture taking conducted at a check cashing center). Inorder for immediate funds to be available for EFT (equivalent to checkcashing, because funds will be transferred and made availableimmediately) user must process the entire transaction in front of thelive cam, so the system can recognize and document the user, beforerequest is processed and funds are made available to user.—OMS will havea detector that will verify that user is connected to and using a livewebcam, in addition to 24-hour network security monitoring the system.

SUMMARY OF THE INVENTION

Wireless Electronic Check Deposit Scanning and Cashing Machine (alsoknown and referred to as WEDS) with web-based computer application cashmanagement software System (known and referred to as OMS; virtualteller), enables endorsed paper and/or substitute checks and moneyorders to be deposited as well as cashed and made available through anEFT (electronic funds transfer). Images are to be wirelessly scanned anddelivered from the Wireless electronic check deposit scanning machineand/or through a unique fax number which is linked to the computernetwork—is wirelessly delivered to a wireless computer network (whichserves as a access point for delivery to the OMS), where it is deliveredto the OMS for receipt of image(s), delivery to user/depositor'scasher's account for processing (user faxes paper check, money order,substitute check for OMS account image delivery for check cashing and/ordeposit processing—may or may not require web cam “live request” foruser to be able to process request to deposit and/or cash check—thru OMSwire funds/electronic funds transfer on user OMS account) and controlledthrough the OMS—online account management system, where the user is ableto view, navigate, and process requests to deposit and cash checks(paper checks and/or substitute checks) and money orders online (throughthe web-based computer application software controlling system—OMS). Itenables Endorsed check images to be wirelessly scanned and delivered toa computer network which is linked to the main access point (OMS), wherefunds (for the amount for the check/money order) are moved from thecheck owner's bank checking account, and deposited (electronically) intothe user/depositor's account. Where the OMS (online account managementsystem) acts as teller, by Either: 1a) obtaining verification from theFederal Reserve Bank to move funds from one location (check owner's bankaccount) to another location (into user/depositor's bank checkingaccount) as an electronic funds transfer (EFT) transaction; 1b)verifying authenticity of money order with place of purchase and/or postoffice system and/of financial institution; 2) Moving funds from onelocation to the other (from check owner's banking account, touser/depositor's account, for the amount of the check) through bankauthorization (or in the case of money order verifying authenticity andvalidity of money order in government money order documentation systemduring processing in order to make funds available to user cashing themoney order). This transaction once complete will reflect as anelectronic/wire transfer (EFT), where the funds are electronicallydeposited (through a wire) into the user/depositor's checking account,to expedite the check processing (or check cashing/money order cashing)time frame (eliminating time once required to be spent at the bankingbranch and check cashing centers; decreasing check posting and checkdepositing time frame, and excluding the need of a connectivity serialport, and replacing it with a device that will enable wireless checkscanning of the endorsed check image—in addition to eliminating checkcashing fees). The machine's computer network receives notification ofwireless scan image, which is delivered to the web based program, thatrecords on the system, and electronically notifies and verifies datawith Either: 1) Federal Reserve Bank (—in order to act as a liaison togain permission to move funds from one account to another, in an EFTtransaction processing format/environment) or payor and payee's banksthrough OMS (or in the case of money order, verifying with money orderdocumentation system to verify that serial tracking number on moneyorder is valid and matches the dollar amount and date on the moneyorder, in addition to place and time of purchase) to confirm funds tomake to transfer funds from one account to the other; or 2) verifiedwith check owners (and user/depositor's) bank. Once verified, the onlineaccount management system (that is linked to the computer network andrecognizes, identifies, and delivers check image from computer network[once received wirelessly from the device]) confirms and recordscommunication with the bank, and deposits funds into user's/depositor'saccount. The online account management system's web-based (which is acash management solution for the online banking customer—individualand/or business) application software acts as a virtual teller (with theoption for online live teller assistance) which wirelessly receives theendorsed check image sent from the computer network (which in turnreceived it wirelessly from the wireless electronic check depositscanning machine into the computer network) where it is linked anddelivered to the OMS user account queue/inbox of new images in order toallow user to verify check data, before the OMS begins processingconsisting of verification and transfer funds, along with notifications,and system/transaction monitoring, etc. The request for online checkdeposit cannot begin (nor can the image be viewed), until theuser/depositor has logged onto the online account management system, andhas initiated commands (i.e. for deposit, and/or delay of deposit—forpost dated checks, notifications and alters, change of password, changeof user/depositor banking information, setting user preferences, etc.).All parties are given the option to be notified of transactions, inaddition to attempted transaction notification via email or throughmessages delivered to their desktop, laptop computer, mobile phone,and/or any device with Internet capabilities. In addition, parties areable to control the processing status and/or control upon delivery oftheir wireless check scan image to their web based (online) account (OMSaccount), for check image storing purposes, deposit purposes, delayedand/or specified deposit dates requests, setting user preferences andalterations, (optional) printing of image purpose, image forwarding (viaemail, or fax), etc. With this invention, user does not have to be “tieddown” to desktop computer, and no longer has to be bound to a serialcable to have endorsed check images sent to their online account (OMS).User can work offline by transferring data images to software databaseinstalled on their computer (for advance hard copies—through login ontosoftware installed on computer/mobile/pda device), and transfer onlinefor processing (at user's convenience—using a USB cable, or firewirecable for advanced transmittal operation). Most importantly, user canwork online without the need of being at a desktop/laptop computer totransfer the endorsed check image, and submit requests and log on toprocess online check deposits. Through this invention, the user is ableto wirelessly transfer and deposit endorsed check images through thisdevice without the need of connecting to another unit; enabling the userto navigate through a mobile phone, personal digital assistant (pda),and/or any other Internet enabled device and/or wireless environment,using this method of wireless data transmission and navigation.

Wireless check scan, transmission, delivery, and processing of documentimage for OMS processing may or may not confirm with the check owner'sbank and deposits funds into the user's/depositor's account. The onlineaccount management system acts as a virtual teller which wirelesslyreceives the check image, verifies check information with depositor, andinitiates (optional) communication with the Federal Reserve Bank to gainauthorization to move available funds from the check owner's bankaccount into the user's/depositor's bank account—which will act as anelectronic funds transfer (to expedite processing timing).

BRIEF DESCRIPTION OF THE DRAWINGS

The foregoing and other objects, aspects and advantages will be betterunderstood from the following detailed description of a preferredembodiment of the invention with reference to drawing, in which:

FIG. 1 is a representation of scanner, showing both the front and backof the Wireless Electronic Check Deposit Scanning and Cashing Machinedevice;

FIG. 2 shows an alternative (version) front and back view of theWireless Electronic Check Deposit Scanning and Cashing Machine device;

FIG. 3—A and B. shows front and back view of a paper check, and/or papercheck image and how it would appear in the system;

FIG. 4.—A and B shows the print options, where check owner sensitivedata is blocked and unreadable during the print option feature, and/orany security feature, which causes the need for sensitive checkinformation to be unreadable;

FIG. 5.—A and B are flow charts which shows the wireless transmission ofdata concept, along with the cycle process of data delivery andcommunication scan—from wireless delivery to receipt for check image(online check/money order deposit) processing;

FIG. 6 shows wireless transmittal connection (two device operationalvariations) in connection and addition to wireless connection signalbeing received (delivered and connected) onto the wireless computernetwork, which is linked to the OMS for user/depositor transaction andrequest processing;

FIG. 7—A and B shows the protective image slide security feature optionfor online pre-installed on the software program;

FIG. 8 displays the process of wireless transmittal signal, where theendorsed check image is wirelessly scanned and delivered to the(wireless) computer network, which is linked to the Online accountManagement System, which is viewable and operable through any Internetcapable device—figure reflecting various ways the endorsed check imagecan be viewed through the OMS;

FIG. 9 shows the representation of the infrastructure containingwireless check scanner which is linked for joint operation ((a) WirelessElectronic Check Deposit Scanning and Cashing Machine (WEDS) and (b) webbased computer application controller system=joint operation) withweb-based OMS (online account management system) through wireless datatransmission into wireless computer network, linked and delivered to theOMS, data and command exchange through wireless navigation (ie. webbased application program), transfer of funds into user/depositor bankchecking account;

FIG. 10 displays the software installation process and concept availablefor installation on pc, laptop, pda, mobile device/mobile phone, and anyother Internet enabled device;

FIG. 11 reflects the fax option, which provides the user with a uniquefax number where the check/money image is sent to, wherein the faxnumber that carries the image is connected/linked to the computernetwork that (WEDS) that delivers the image to the OMS for processing;

FIG. 12 shows the adjustable clamp connectivity option for offlinescanning through mobile phone (future deposit option);

FIG. 13 displays the representation of the infrastructure containingclearing and cashing and/or deposit of funds authorization processoptions (through OMS), through wireless transmittal of endorsed checkimage, along with authorization of funds options/alternatives—Option 1.Verifying of funds with Federal Reserve Bank for funds transfer, Option2. Verifying of funds to check owner's bank authorization to verify andtransfer/wire funds into user/depositor checking account as anelectronic funds transfer (EFT), Option 3 (in the case of money ordersand checks to be cashed)—Verifying with money order US Postal Servicemoney order database, and check cashing center systems database thatcheck hasn't been cashed before continuing processing for check cashing,and notifying money order system and/or check cashing center system ofchecks cashed through the OMS, to prevent fraud and future attempts tocash the same check/multiple checks; also reflects recognition, receiptand verification of fax document image being received through WEDS andprocessed through OMS for verification and deposit of funds.

FIG. 14. Displays the front, side and rear view of heavy duty version ofthe WEDS (with feeder that opens for multiple scans), for higher amountof image reading and processing; Front view showing check before andafter it has been scanned through the device and transmitted throughWEDS, command buttons; Side view shows the feeding and scanning processfrom feeding to actual point of delivery sending through the device;Rear view shows the ports and switch identifier options to designatescan to specified bank area, predetermined by user on OMS accountsystem.

FIG. 15. Shows portable view of wireless device in smaller frame,reflects extendable antenna, Front view showing window opening optionwith magnetic strip and swipe head reader (for multiple simultaneoususe); Processing view shows starting point to feed check(s) (and/ormoney order(s)) through for imaging and transmittal, shows attachable,extendable holder that feeds checks into device (as alternative insertinto device option); Rear view showing automatic backup, multi bankidentifier options (A indicating first bank account, B for second bankaccount, and C for third bank account).

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS OF THE INVENTION

The present invention builds on a pair of technologies that we brieflydiscuss here. They are (1) a secure cryptographed, encrypted wirelesscheck deposit scanning and cashing machine for image verification anddata transmittal to a secure wireless network (WEDS) (2) where data issecurely retrieved, verified, processed, through online navigation andsetting of user specified commands (OMS).

It is therefore an object of the present invention to provide andapparatus an method that allow to deposit ordinary/paper checks FIG. 3A,FIG. 3B, show the front and rear view of an ordinary check (personal,business check); 44 check owner's name and address, 43, date of checkand check number, 45 check owner's bank name and address, (ie. personaland business, money orders) to be scanned, wirelessly and securelydelivered to an online management system (received through the computernetwork) to receives and verify endorsed check image for processing. 46showing routing number and check account number; 47 check owner'ssignature, check 48 check depositor's endorsement area to sign beforecheck scanned image can be accepted, 49 Federal reserve bank stamp ofvalidity along with their preprinted stipulations and rules found onevery cashable check. Once the user has logged onto the system (OMS),the endorsed check image is viewable and processing request isavailable. through the OMS. FIG. 6, 58, showing the wireless signal ofdata received in order to deliver it to the network for OMS processing.59, showing the wireless delivery onto the network into 60 the OMS as afinal destination for processing and user navigation. The data can beWirelessly transmitted from the wireless electronic check depositscanning machine from home computer, office desktop, laptop, pda,Internet enabled mobile device, or Internet capable device while solvingthe above mentioned problems. FIG. 13 shows the representation ofinfrastructure containing clearing and deposit of funds authorizationprocess and options through the OMS; 100 representing the transfer ofdata using WEDS (for receipt and delivery of check, substitute check,and/or money order image) being delivered to wirelessly to wirelessnetwork so OMS may act as virtual teller, to receive, store, and processcheck and/or money order image requests for deposit and/or cashing; 98OMS processing for storing and recording images, to process data imagesfor deposit and/or check cashing requests; data stored and copied todatabase systems (i.e. OMS database and user database as OMS accounttransaction history; US Postal service money order database as moneyorder cashed and/or purchased; Check cashing database as check cashedthrough OMS) processing and documentation/recordkeeping purposes—showingtwo alternatives for verification upon receipt and confirmation of checkdata—to either 99 contact and verify check information with the federalreserve bank to deposit funds into user/depositor checking account, forelectronic funds transfer/wire, or to contact the check owner's bank todeposit funds into the user/depositor checking account for electronicfunds/wire transfer; 99 a reflecting the requirement to contact thefederal reserve bank for deposit of funds and transfer of moniesapproval for 99 c electronic funds transfer (EFT); 99 b reflecting moneyorder verification and documentation database (record of transactiondata) for approval of EFT; 101 showing check before scan, 102 a sendbutton, 102 b infrared beam (for printing option) 103 print image optionbutton, 104 showing where check (and/or money order) is after scan, 105extendable resting unit to hold larger scan amounts after scan, 106 aopening where checks are delivered to after feeding and before it restsin the extendable unit (after scan), 106 b rolling prongs that receive(by sucking in) checks after scan for quickly scan the next check at anexpedited rate, 107 void check button (to activate voiding options,press once for void and scroll for voiding type), 108 a power button,108 b enter button, 109 a counter (adds total checks scanned, calculatestotal cash worth of images—total check and/or money order paper valuebeing transmitted), 109 b number pad to verify dollar amounts, 110feeder, 111 clear button, 112 cancel button, 113 feeder process, 114scanning and image capturing process, 115 point of delivery (toextendable resting unit) process, 116 switch to indicate banktransmittal on OMS selection/command (all device versions have), 117media card, 118 AC poser adapter, 119 USB ports (2), 120 firewire ports(2), 121 bank identifier options A, B, and C, 122 extendable antenna,123 magnetic strip and swipe header (which all device versions have),124 window opening to scan larger amount of checks simultaneously, 125power button, 126 scan button, 127 cancel button, 128 a status button,128 b infrared beam (for printing, etc.) 129 void check (feature)button, 130 swipe head reader, 131 start area (to begin feeding ofcheck(s) and or money order(s)) for transmittal—where feeder ofcheck(s)/money order(s) is placed to begin, 132 window opening for(multiple) simultaneous scan, 133 attachable, expandable holder thatfeeds checks into device (interchangeable to be attached on either sideof the device) and/or feeds checks, 134 attachment clip connectivityarea that connects 133 to device, 135 scanning direction for transmittal(open or closed window—open window for multiple simultaneous scans, andclosed window area for single or few scans, 136 internal swipe headreader (on all device versions), 137 automatic backup area, 138, bankselector switch indicator, 139 AC Power Adapter, 140 USB ports (2), 141firewire ports (2), 142 multi bank identifier options A, B, and C (preregistered and determined through OMS user account login andspecification of account number and destination requests).

According to the invention, the Wireless Electronic Check DepositScanning and Cashing Machine (WEDS) And web-based Online account cashManagement computer application (OMS) System allows users the ability todeposit and cash both personal and business (paper/substitute) checksand/or money orders through the Internet, using a desktop computer,laptop computer, personal digital assistant (also known as a pdadevice), mobile phone, or any Wi-Fi Wireless Fidelity (known as Wi-Fi),and/or Bluetooth enabled device FIG. 8 showing 77 wireless connectionand communication representation from device onto wireless network (viceversa); 70A showing two optional device designs, 70Bm showing deliverysignal from wirelessly scanned and delivered (front/back) endorsed checkimage, 71 OMS infrastructure serving as main access point for user—where72 mobile phone (Internet capability), 73 fax machine, 74 pda withInternet capability, 75 laptop, 76 computer—Reflecting Five options foruser navigation and delivery of endorsed check images for processing.FIG. 1A, FIG. 1B showing a wireless electronic check scanning device; 1is the optional retractable antenna (to increase wireless signalcapabilities); 2 and 10 being a side crease fold-in option (withbutton), that allows greater mobility of the device, by decreasing it'ssize; 3 and 16 being the powerlight; 4, 6, and 8 being the dataconnection unit to allow hardware to deliver the data while workingoffline; 5 being the status light to inform user of check image datatransfers successful and in progress, with built in cancel, save, andvoid button; 7 being where the check scanning begins; 9 and 13 theopening of where check can be inserted and scanned. 11, and 12, 14, 15being the bottom and top blade cutters (incision makers)—from raisedcutters, to top crisscross cutters, to raised bottom cutters—to makeproper incisions into the paper as an option during the check voidingprocess; 17 being cutter area resting location where cutters lay flat tonot interfere with check scanning process when cutting feature/option isnot in effect; 18 USB ports, 19 firewire connection port, 20 and 26secure layer to separate cutters from port locations; 21 (pc) serialport B, 22 cell phone and pda serial cable connectivity port; 23 back uppower port to insert power cable into; 24 button that initiates liftingand activation of cutter/incision process. 25 (pc) secure cable port A;27 starting point opening where check is inserted to begin the scanningprocess. FIG. 2 shows an alternative view option of the device, 29 and32 being the opening slit to slide check through for image scan; 30 forinfrared beam option (to beam scanned image onto printer, also allowingdevice to beam/transfer to another Bluetooth, 802.11 (wireless fidelity)enabled device (ie. mobile device, pda device, printer) for viewing,printing, forwarding, etc. purposes; 31 power status light to inform oftransmission status—green light for successful transmissions, red lightfor unsuccessful transmission, amber light for reading error, 32extendable antenna that allows the device to reach and connect withnearby wi-fi locations, Provides increased signal access for wirelesstransmission and connection to the computer network for OMS receipt anduser processing, 33 send button that commands the scanned image to be(wirelessly) transmitted to the computer network for OMS processing, 34media storage slot (for media card. ie. smart media card to store imagesonto, in addition to back up pre installation feature), 35 store buttonthat commands the device to continue to temporarily keep the scannedimage and deliver it to the media card being inserted into the mediastorage slot, 36 media storage ejector button which ejects the mediastorage card, 37 4-8 hour re-chargeable battery opening area, 38internal battery area/section, 39 is the power chord connectivity port,40 being the pda connectivity slot, 41 firewire ports, 42 USB ports.Measurement options 6 ½″-7″ long; 3½″-4″ high; ½″-3″ wide (adjustablelength and height). Light weight ½ pound-2 pounds.

According to the invention, a System is created where once checktransmitted to bank for deposit has processed, the OMS virtually voidsthe check (through documenting the check data in the system) to preventfuture deposits of the same check. The physical check into be destroyedby the depositor/user. In addition, check owner's bank has the option tocancel the check/mark the check paid upon withdrawal of funds for checkamount, and notification from the OMS that the transaction has beenprocessed/the check has been cashed for deposit by user/depositor, toprevent future unauthorized use of the same check, and/or any type offraudulent acts (An exception to not allowing the same check to be used,is when check owner has pre-authorized—in writing that the check may bereferenced for regular deposits, as an electronic transfer of funds fromcheck owner's into the user/depositors. This makes online check depositless time consuming, and allows the user to use the same check image forfuture payments, for the dollar amount, and date check owner has agreedupon).

According to the invention, a unique wireless electronic check cashingand depositing scanner is used to scan and deliver endorsed check imagesto be wirelessly transmitted to a computer network that is linked to theOMS for processing. The image of the endorsed check is encrypted duringtransmittal for receipt of the image to the wireless computer network,to be linked to the OMS for processing. Before the image is transmitted,it goes through an (optional) coded conversion process, where a codedprotective plate is chosen at random, to distort the view or image ofthe check. Once the transmittal is received, the bank releases theprogrammable code protective plate by 1. entering a security code torelease the plate from the check, making it visible. 2. device softwareinstalled at the bank, where the system recognizes the program's uniqueprotective plate patterns, and automatically extracts the plate thatdistorts the image, to make the image recognizably readable and visible.The code protective plates distort the image received, and release theplate through image extraction of the plate, to allow image to bevisible—which are shown in FIG. 7A, and FIG. 7B; which 61, 62, 63, 64,65, 66, 67, 68 shows protective image 11 l, a slate that covers checkinformation through unique design cover that blocks visibility of thescanned check image; 69 showing the same as the above 61-67 mentionedwith the inclusion of barcode appearance; 64 shows the same as the abovementioned 61-68 with the inclusion of number and character scramblecombination; 66 showing the same as the above mentioned 61-68 with theinclusion of background static appearance to make the check imageunrecognizable. This is programmed into the software program and is avital part of the security foundation of this invention, upon endorsedcheck scanning and wireless transmittal and delivery of the check isprocessed so through virtually partitioning the digitized version of thecheck into a plurality of regions, which may be in stripes, zones,and/or designated areas (decided upon by the bank) is an added featureoption. Each region is extracted and encrypted before transmittal to thebank. Upon receipt of the check from the bank, designated areas ofselected regions are voided. The check image, once recognized, issubmitted into verifying system, which is accepted, validated, andprocessed through the bank, data is sent through a secure site andsystem that receives, recognizes, delivers, receives verification ofdata and initiates deposit confirmation and approval. FIG. 4A, FIG. 4Bshows the data sensitive check data image (front and back) that isunreadable during data transfer, shows the image data block, that makescheck owner data unreadable, and un-viewable during request to print andforward to another party, without completion of transfer, and withoutuser log in; 77 is check owner data encryption, 78 is routing number and80 checking account number data encryption, 79 signature blocking, 81user/depositor signature block.

According to the invention, a unique feature of WEDS through OMS(WEDS.OMS) processing of allowing checks and money orders to be cashedand deposited; online, wireless check cashing made available through webcam photo capturing (of live image user), which is required in order forrequest to be verified, confirmed, and processed for immediateavailability of fund (for amount of check/money order) made availableinto user/depositor/casher's account through EFT (electronic fundstransfer)—also giving OMS the option to make funds available forimmediate cashing (on checks) by borrowing monies against user's bankingaccount (for either amount of check, or half the amount of thecheck—depending upon requirements and processes of the bank).

According to the invention, a unique scanner is used to scan endorsedcheck images and wirelessly transmit the check image to the OMS toprocess check deposit. Some encrypted indicia may be printed on thecheck (in addition to other security features and options listed anddiscussed below). Upon endorsed check scanning and wireless transmittaland delivery of the check is processed so through virtually partitioningthe digitized version of the check into a plurality of regions, whichmay be in stripes, zones, and/or designated areas (decided upon by thebank) is an added feature option. Each region is extracted and encryptedbefore transmittal to the bank. Upon receipt of the check from the bank,designated areas of selected regions are voided. The check image, oncerecognized, is submitted into verifying system, which is accepted,validated, and processed through the bank. Data is sent through a securesite and system that receives, recognizes, delivers, receivesverification of data and initiates deposit confirmation and approval.

According to the invention, the scanner has an pre-installed securityfeature, where upon successful image conversion and recognition—thescanner imprints unique ink imprints and/or unique incision patternsinto the check, to immediately void the check before it has beenreleased from the scanner (once check image has been verified andreceived for processing). This feature is optional (and is dependentupon user's/depositor's needs).

According to the invention, the option for adjustable clam connectivityfeature, where the check image can be copied onto mobile device and/orpda device while working offline, and/or for future deposits (due to theCheck 21 Act, banking consumers are less likely to be able to post datea check due to electronic processing, but the OMS allows user receipt ofcheck images using WEDS for post dated check cashing and depositoptions, so checks can be written for a future date, pre-stored onuser's OMS account, and set by user to command OMS to process requestfor deposit on user specified date). FIG. 12 shows adjustable clampconnectivity option—90 is the clamp that is adjustable to the size ofthe mobile/pda unit, 91 USB connectivity port, 92 power button, 93 cellphone connectivity port to transfer data from clamp option unit ontomobile/pda device, 94 showing the mobile/pda unit capability to connectand transfer the image, 95 showing the opening where the check can bescanned through, 96 showing check capability to be scanned through theadjustable clamp connectivity option

According to the invention, factor in security feature of this inventionare the pre-installed (thin very sharp) blade option feature that cutthe check into threes using a multitude of cutting or shreddingprocesses. Cross-cut feature where blades cut from left to right(located internally in the center of the device—which lay flat and raiseup during cut feature option selection), from right to left, and up anddown (located at the bottom of the device—which lays flat and risesupward once the cut or incision feature has been selected to beexecuted)—forming a cut pattern that ultimately destroys the physicalcheck; straight horizontal cut feature and straight vertical cut wherethe light, thin, sharp blade cuts from top to bottom and from bottom totop simultaneously as it successfully scans.

According to the invention, the secure cryptography generator ispre-installed in the user device; which enables the digitized version tobe securely transmitted wirelessly and sent to the (wireless) computersystem network, which is linked and delivered through a secure site(web-based online account management application program controllersystem), and processed for deposit. Once the bank receives and convertsthe wirelessly transmitted data into a readable format through atranslation software system, also referred to as the online accountmanagement system (which may also be referred to as OMS) (deliveredthrough an encrypted processing format) the check information isverified, and the user request to deposit is received and informationconfirmed. Once approved for deposit, the bank system records the checkdata received in the encrypted check image (and sends notification toonline account management system) to deposit the funds into thedepositpr's account (whcih acts as a wireless transfer for immediateavailability), through the online account management system's securesite—(bank, routing number, account number, date of check, amount ofcheck, payor's signature, payee's signature to endorse the check)—whichis linked to the bank's system to verify check depositor, check ownerinformation, check amount, and user information—from the check depositorpayor and payee, to keep record of the transaction (to immediately voidout the paper check, to prevent fraudulent deposits, while keepingendorsed check image on file {12-48 months—which may vary depending uponuser request, and banking policies and regulations} for futurereference—ie. should check need to be re-deposited, reissued, should adiscrepancy occur)—from initial request to bank verification andidentification process, all the way to the final approval and checkdeposit execution. Check image can also be stored for check ownerauthorized (in writing), for re-occurring deposits, which can be usedfor individual and/or business users who receive regular payments in thesame dollar amount increments on a monthly, weekly, quarterly, etc.basis from selected users (businesses and/or customers/clients who havea consistent payment pattern that repeats itself). In addition, checkimage may be stored on the user's online account through the web-baseduser's online account management program application controller systemto process the deposit as a wire once the front and back image of theendorsed (signed) check has been captured and recorded.

According to the invention, wireless electronic check scanner comprisedof TCP/IP, AppleTalk, or comparable language tool to enable the wirelesselectronic check scanning device to communicate with the wirelesscomputer network, in order for check image to be delivered to the linkedOMS, and sent to user/depositor account for processing—furthermore,allowing commands to be set forth using a computer, mobile phone and/orany Internet enabled device.

According to the invention, comprised of durable variations of plasticsand metals to produce the (foldable) scanner that is foldable in certainareas of the device for increased user device mobility options.

According to the invention, scanner furthermore comprised ofpre-installed connectivity ports (such as USB, firewire, serial cable),antenna, power button, backup battery, rechargeable battery, carryingcase (for travel), refillable ink and blade slots (optional), sendbutton, preinstalled Wi-Fi/Bluetooth chip to enable wirelesscapabilities (to allow device not only connectivity to the wirelesscomputer network, but enablement to scan the endorsed check imagewirelessly without the need for a connectivity port or cable).

In addition, old of this invention consists of the process of scanning,and depositing a check online (using a serial cable).

According to the invention, newness of the invention consisting ofprocess of scanning and depositing an endorsed check image onlinethrough Wireless Transmission, onto a wireless network, that links to anOMS, where the user can log in, set preferences, and begin processing.

According to the invention, newness of the invention consisting ofwirelessly scanning front and back image of the endorsed check image,and delivering to a Wireless Computer network, where user can log on toview, and navigate.

According to the invention, newness of the invention consisting of userability to navigate using the OMS via desktop computer, laptop, Internetenabled mobile device, and/or any other Internet enabled device.

According to the invention, newness of the invention consisting ofWireless Electronic Check Deposit Scanning and Cashing Machine (WEDS)And web-based Online account cash Management computer application (OMS)System which is a multi functional, multi dimensional secure, dataencrypted System where WEDS allows successful transmission of data andimages through the wireless fidelity (802.11b Bluetooth) device, andthrough fax image option securely delivered to wireless computer network(through unique, customer identified fax number that links OMS accountuser's fax number to wireless network, which receives the fax image(s),and sends to the OMS for processing) to securely receive and deliverdata to a specified access point—the OMS—which is the wirelessnavigation feature of the system which allows the system to act as alive teller, processing check deposit and cashing requests for usersonline in a wireless environment—where the OMS gains permission,verification, authorization from Federal Reserve Bank (in the case ofcheck deposit, check cashing), Financial Institution (in the case ofcheck deposits and check cashing,), Post Office Databases and BankingSystems (in the case of money order depositing and cashing).

According to the invention, newness of the invention consisting ofpre-installed microchip that stores data in the event of connectionerror, low battery, and unsuccessful transmittal.

According to the invention, newness of the invention consisting ofonline money order print option, where user can log on to OMS accountand request to purchase of money order, which will allow user to thenprint out money order once it has been printed—money order will havewatermark, and special coding which will provide as validity to thecontent of the money order, in addition to the OMS automaticallydocumenting the money order and bank database to advise of transactionprocessed and serve as proof of purchase, in addition for OMSdocumenting it's own system for recordkeeping purposes.

According to the invention, newness of the invention consisting oftracking system on the OMS, which recognizes transactions that requestsimilar deposit or check/money order cashing requests, and requests formultiple deposits through the OMS, and/or through the check cashingcenter Databases, and/or through the financial institutiondatabases—verifies the validity of user out of state checks beforeprocessing requests.

According to the invention, newness of the invention consisting of theability to give OMS users the option to utilize the service for checkreferencing—this will allow user to deposit the same check every month,to cater to return customers/clients the user may use—this servicerequires user authorization signature, in addition for documentationreflecting check owner is requesting this service as well, whichreflects check owner's signature and bank information—where OMS verifieswith check owner, and with check owner's bank that they have signed upfor service, verifying how long they want the service, and beinginformed that if they need to make changes, they are to contact thevendor which they signed up through.

According to the invention, newness of the invention consisting ofprotective plates being chosen at random to distort the view or image ofthe check—also the option to enter a security code to remove theprotective plate upon delivery to computer desktop for futuredeposits—protective plate is feature of software that is available tothe bank to ensure security.

According to the invention, newness of the invention consisting of theOMS feature for automatic tax preparation through expense processing,spending and receivables itemization—system recognizes Spending fromRevenues (money being added, deposited, accrued in interest) andprovides and itemized chart and workflow sheet, in addition to ways theycan save, and traditional IRS filing documents that may be tailored tothat account—system also includes total spending and revenue eachquarter, annually, along with total dollar amount of donations, andlists things that can be written off, and recognizes them on useraccount (ie. Church donations, business expenses, etc)—through this IRSgrouping feature—feature also gives the user to enter donations thathaven't been recorded on their bank statement (ie. Cash donations,clothing donations, etc.); finances grouped and automatic expenditure isprocessed based upon how user groups transaction history and dataprovided on his/her account.

According to the invention, newness of the invention consisting of OMSfeature virtual bookkeeper, which itemizes and keeps user abreast ofpersonal and business transactions and Spending throughout the year;informs user of balance status, frequent or uncommon deposits and/orwithdrawals on user's account (fraud prevention) and alerts user whenbalance reaches a certain dollar amount (set by the user), also showsuser how much money they are paying their bank for banking accountservices and profiting on interest on banking/financial institutionaccounts.

According to the invention, newness of the invention consisting of theWireless Electronic Check Deposit Scanning and Cashing Machine (WEDS)having pre-installed wi-fi capabilities, which is able to communicateand deliver data to a wireless network, that is in return linked to, andable to send the data to OMS for user/depositor/cashing requestprocessing. FIG. 9 representation of infrastructure containing(wireless) check scanner linked for joint operation with web-based OMS;82, showing wireless transmission of data from the wireless device, ontothe (wireless) computer network, 83, showing computer network beinglinked linked to the OMS, for processing and user navigation—where in84, the data command exchange and wireless navigation is confirmed andby the OMS from the check owner's bank (through bank verifying of fundsor federal reserve bank); 85 showing transfer of funds from checkowner's bank into check depositor's/user's bank account, where the user,check owner confirmation and alert notification of the transaction iscopied and logged onto the database for recordkeeping and securedocumentation purposes. 86 showing once the check deposit request hasbeen processed, user has documentation and delivery options, where theuser can opt to have images and records for that transaction saved tohis/her account (for a term of 12-24, or 12-48 months), can opt forprinting of transaction confirmation sheet, and have verification ofcheck deposit transaction forwarded to a user specified area/location.

According to the invention, newness of the invention consisting of checkimages ability to be stored for future deposits (ie. in the case of postdated checks), where the system can be set to deposit a check (or anunlimited number of checks) on a specific date for processing—inaddition to reminder cue feature option, which reminds user/depositor ofchecks stored in the system that are waiting to be deposited, remindinguser/depositor of time frame before check is no longer valid (ie. 15days left, 20 days, 30 days, 60 days left, etc.).

According to the invention, newness of the invention consisting ofendorsed check image capability of faxing the endorsed check to adesignated phone number, which is connected to the wireless network, todeliver the image from the phone number that connects tot he computernetwork for OMS delivery, and/or delivery from the fax machine that issent to a specified fax number that is connected to the computernetwork, and emailed to the OMS for user delivery. FIG. 11 showsrepresentation of infrastructure containing fax option image delivery towireless network; shows 87 the fax machine connecting (wirelessly) tothe wireless computer network, which receives, confirms, and deliversthe paper check, substitute check and/or money order image to the OMS(using WEDS), that 88 connects to the OMS and processes data foruser/depositor/casher's image delivery to user's OMS account forprocessing funds availability.

According to the invention, newness of the invention consisting ofwireless electronic check deposit scanning machine operating as awireless transmission of data resource and the web-based computerapplication controller system software it is linked to working as anavigation tool that allow both to intertwine together as a whole.

According to the invention, newness of the invention consisting of theability for check to be voided through ink prints and/or thinblade/cutting incisions.

According to the invention, newness of the invention consisting of USB,firewire, ports for offline backup of image storing when wirelesstransmission operation not in use.

According to the invention, newness of the invention consisting of alertnotification, where both user and check owner have the option throughtheir bank to be notified through an alert via email, mobile phonealert, and/or regular mail correspondence of all online check deposittransactions, and/or attempts for that transaction.

According to the invention, newness of the invention consisting of theability for OMS (online account management system) to act as a liaisonbetween check holder, user/depositor to verify funds, and gainpermission to move funds (for the check and/or money order amount) fromthe check owner's banking account (or in the case of money orders,deducted from the payables database and funds of US Postal Service moneyorder cashing and/or deposit approval) to the user/depositor account asa wire/electronic transfer (to expedite deposit time frame), throughauthorization and confirmation with the Federal Reserve Bank, checkowner's bank, check cashing center database, and/or US Postal Servicemoney order database.

According to the invention, newness of the invention consisting optionwhere non-check documents that fit the size capacity can be scanned andwirelessly transmitted to the computer network, linked to the useraccount for document service option.

According to the invention, newness of the invention consisting ofwireless scan that captures both front and back of the endorsed checkimage.

According to the invention, newness of the invention consisting ofsoftware program that allows wireless electronic check deposit scanningmachine to execute commands set forth by online user/depositor (ie.receive check images through scanning device it communicates with, andis linked to, verification of the endorsed check image data through userlog in and typed verification input, confirm data with check owner'sbank, alert options and settings, record of transactions, and endorsedcheck images and deposit info. on file, live teller option feature,liaison capability to verify transfer and disperse of funds forelectronic deposit EFT, set language capacity—English, Spanish, Greek,Chinese, Japanese. FIG. 10 shows an example of computer programinstallation process; area “A” of the diagram is 1st screen that setsuser preferences (ie. language, file type selection for images to besent and viewed in, selecting where the data is sent, stored, andscanned), area “B” of the diagram is 2nd screen that copies, installsand saves program onto computer system (ie. save option onto userInternet enabled mobile device, Internet enabled pda device, desktop,laptop, and/or any other Internet enabled hardware device; area “C” ofthe diagram is registration screen, where user registers his/herhardware (using the serial number to link the user to an account set upfor future log ins), technical support option, updates to email option,account set up with user personal (verifiable) data, in order to set upthe account for use of the device. Upon successful installation, usersees icon in their startup menu, and on their desktop/home screen. Uponsuccessful (online) registration, user receives verification email.

According to the invention, newness of the invention consisting ofsystem setting user log in and preference setting capabilities, alongwith user levels of security and system and account notificationsscheduling via email, text messaging.

According to the invention, newness of the invention consisting ofverification and documentation of product registration.

According to the invention, newness of the invention consisting ofdetection and transfer of images securely while offline, where image isstored, but inactive for processing, until user manually links the datato his/her account (OMS).

According to the invention, newness of the invention consisting of OMSsystem communication (option) with banks to gain authorization to verifyand remove funds for check amount from check owner's account, intouser/depositor's checking account. FIG. 5A, FIG. 5B shows the datatransmission concept Cycle (through the use of diagrams andarrows—indicating a cycle); 56 shows the physical check sliding throughthe device, 57 which ultimately reflects on the computer system (ie.desktop, laptop, Internet enabled mobile device/pda) operable for userthrough the OMS; FIG. 5B, A shows device, 5B, B shows scanning ofdevice, FIG. 5B, C shows the image wirelessly transmitted, recognized,and delivered to the user computer for view, verification, andprocessing; FIG. 5B, D shows receipt of image and transfer of data ontouser's account. FIG. 5B, E shows check deposit request. FIG. 5B, F showspayee's financial institution approval of deposit, FIG. 5B, G showscomplete transaction verified and confirmed, FIG. 5B, H shows immediatevoid option being executed after pre-programming for operation of thatfeature.

The motivation of my invention was to allow secure deposit and cashingof paper checks, substitute checks and or money orders in a securewireless, online environment from home (using wireless fidelitytechnology, wireless networking technology, web-cam technology,Bluetooth 802.11 technology, Intel technology), office (such as, throughdesktop Internet enabled computer and/or through fax—delivered to WEDSfor OMS processing), cell phone, pda device, or any Internet capabledevice to provide users with the freedom and mobility of expanded onlinebanking options; however, the invention is applicable to the preventionof fraud in a variety of commercial paper and documents. Thus, while theinvention has been described in terms of preferred embodiments, thoseskilled in the art will recognize that the invention can be practicedwith modification within the spirit and scope of the appended claims.

Having thus described my invention, what I claim as new and desire tosecure by Letters Patent as follows:
 1. A method for conducting anonline check and/or money order cashing and deposit transaction using aWireless Electronic Check Deposit Scanning and Cashing Machine (alsoknown and referred to as WEDS); And web-based Online account cashManagement computer application System (also known and referred to asOMS virtual/live teller) collectively invented and operated as“WEDS.OMS”; Method and Apparatus for Depositing and Cashing Ordinarypaper and/or substitute checks and money orders online Wirelessly fromhome computer (pc and/or mac compatible), office computer, laptop,Internet enabled mobile phone, Internet enabled mobile device, Internetenabled pda (personal digital assistant) and/or any Internet enableddevice; Wireless Electronic Check Deposit Scanning and Cashing Machine(wireless data transmission) with web-based cash management computerapplication System Controlling (wireless navigating) permits wirelesstransmission of data (endorsed check image and/or money order image)through WEDS and wireless navigation and control of that data throughthe OMS wireless computer network (where it is transmitted to) andweb-based computer controlled application system (where it is controlledand linked to) so the OMS acts a 24 hour, 7 day a week virtual tellerthat receives, verifies and processes requests to expedite deposittransactions and cash checks and money orders for immediate fundsavailability in an Online, Wireless Environment; WEDS functionality ofthe invention allows the wireless data transmission from the device tobe transmitted and delivered to the (wireless) computer network, whichis where processing begins through the OMS, the online accountnavigation system, comprising of the steps of: A unique, secure WirelessElectronic Check Deposit Scanning and Cashing Machine (also known andreferred to as WEDS); And web-based Online account cash Managementcomputer application System (also known and referred to as OMSvirtual/live teller) is used to wirelessly Scan, Verify, Capture and(wirelessly) Transmit the image of an (front and back) endorsed check(and/or money order) image to deliver to a wireless computer network(using WEDS), that is linked and delivered to a web-based computerapplication software controller system program for processing (which isthe OMS)—which acts as virtual teller (verify and process request foronline check deposit, clearing/moving check owner's funds intouser/depositor checking account for check dollar amount; performing theaction of an electronic funds transfer, also known as an ETF—wired intouser's/depositor's account), linked and delivered to a secure site whereuser/depositor's account receives, controls, and confirms thetransaction request (through the OMS), by confirming endorsed checkimage data for online check deposit(s) and setting online userpreferences and input typing verification of check data delivered to theonline account management system (OMS) before request to deposit (i.e.routing number, check account number, check number, date on check,financial institution, along with user/depositor's name, and transactiondata) request has been submitted for online check and/or money deposit(or check/money order cashing)—includes scanning and depositing (frontand back) an endorsed check image (and/or money order) online throughWireless Transmission (WEDS), onto a wireless network, that links to anOMS (using WEDS), where the user can log in, set preferences, and beginOMS processing (Infrared beam, on device to allow stored images fromdevice to be beamed onto printer or wireless, Bluetooth 802.11 enableddevice, with Intel inside); processing wireless check cashing capabilitywhere user scans front and back of the endorsed check, and/or substitutecheck (or money order) and wirelessly delivers to OMS using WEDS; afterlogging on, user must use his or her web cam (web camera) whichidentifies and records user's actions and request for check and/or moneyorder cashing (also can be used for check deposit requests) by capturingand storing the face image, live image of the user, to verify that facefeature imprint is identical to picture of customer/user taken at thebank, and recorded for fraud protection as a picture and datatransaction file, in addition to system recording user's ISP (internetservice provider) address (in addition to LAN—local area network forcomputer network communication processing area) to locate (anapproximation of) where user was at time of request, and what deviceuser was using (i.e. Internet connection from dial up, or cable modemdesktop, dial up service provider on cell phone/pda, etc.), and user id(identification) used to log in to process and request transactionthrough OMS account access, which is navigated on a secure website, anduser is (optional) pre-fingerprinted at bank before use of check cashingoption (substitute check is valid through Check 21 Century Act,effective, October 2004); OMS recognizes live web cam connection, andcaptures image of user to record proof of user transaction for security;System can detect whether the live cam is activated, and whether or nota live individual is present at time of transaction in order to allowuser to submit request—during processing of request, system capturesimage (picture) of user requesting to cash check and/of money order andverifies validity of the picture (ie. That is was a moving image, beforecapture of image, and that image is shape and color texture/cells, andskin scales that comprise human flesh) before request can be complete,which occurs before or after validity of the document/image (checkand/or money order) being requested for immediate cashing (fundstransfer—monies availability).
 2. The claim of method 1, furthercomprising of a power button, 1 to 3 USB ports and 1 to 3 firewireports, 1 to 3 serial cables (for computer connection when wirelessoption is not in use), status button (which reports the status of theimage—successful or unsuccessful), multi bank identifier options A, B, C(to link to specified banking accounts), switch indicator (allows userto determine which designated banking account area to send transmittalto—for example switch A for user's first banking account, switch B foruser's second bank account, switch C for user's third bank account),attachable, extendable holder that feeds checks into device, and/orholds checks after they have been fed into device, interchangeable forconnection on either side of device, window that opens (for multiplecheck and/or money order transmittal processing, attachment clip thatholds and connects extendable holder to device, magnetic strip and swipereader that reads data on the check to verify that image beingtransmitted is a check, before being delivered for OMS processing,virtual memory that acts as automatic backup for user (virtual memorytime frame can range from 30 minutes, 24-48 hours, 72 hours, etc), voidcheck button that activates check voiding feature after it has beenscanned and wirelessly delivered using WEDS onto OMS, print image option(which can be connected to computer to print image offline, and/orconnected to a printer for direct image printing, and/or beamed to aprinter for image printing (through infrared beam on device), unique faxnumber with fax system built into WEDS computer network so all imagesfaxed to unique fax number (that identifies and links each individualuser to their OMS account, and to user banking account) are directlysent to computer network, and linked to the OMS, so user can log on toOMS account system to navigate, submit request, and have requestprocessed by the OMS virtual teller processing system, cutters/blades(that lay flat and raise once command is initiated), switch thatinitiates blade feature, rechargeable battery, battery recharger, powerchord (for backup should internal rechargeable battery become low),button for ink imprint feature, option for installed ink imprints (toimprint on checks for added voided upon successful scan), antenna forwireless frequency to accept and deliver data, unit comprised of durableplastics to produce the device; pre-installed connectivity ports (suchas USB, firewire, serial cable), antenna, power button, backup battery,rechargeable battery, carrying case (for travel), refillable ink andblade slots (optional), send button, preinstalled Wi-Fi/Bluetooth chipto enable wireless capabilities (to allow device not only connectivityto the wireless computer network, but enablement to scan the endorsedcheck image wirelessly without the need for a connectivity port orcable); a slot that allows users to save important data to a data card,infrared beam option—which allows user to beam data to a infraredcapable device; device foldable to be folded to increase travel, compactnecessities; extendable antenna which increases the level of frequencyfor signal connectivity; an internal memory chip (in addition to flashmemory feature and virtual memory that is preinstalled in device) insidedevice that temporarily saves the scanned image (for 30-45 minutes ormore—which gives user enough time to troubleshoot or resend the scanthrough the system using the device) internally onto the device, shoulda shut down or check voiding procedure malfunction (ie. check scanningon the device but no delivery to the online system, check be voided inerror, loss of power due to, low, or empty battery failure), so thatanother wireless electronic check deposit transmittal can take placeshould the system's online user account not recognize the scan;temporary image saver is a vital feature that allows the user toresubmit a scan should any malfunction take place; once the image isviewed, it must be submitted for deposit, or it is automatically deletedfor security (temporary view time frame will be allotted i.e. 60-120seconds, 1-5 minutes, 10 minutes)—If the user decides to resend from thedevice, he or she must check the pop up window that requires the user tosubmit for wireless electronic check deposit request after viewing oncethe image has been delivered to his or her account; the transmissionrequest and transaction data is then documented and sent to the bank tobe recorded and possibly monitored; user is capable of scanning theendorsed check onto the device, which automatically delivers the imageto the computer program's online system; User then goes to thewebsite—entering his/her id and passcode to view the scanned image; Allscans initiated through the device are sent to the user's account andautomatically documented and monitored for security protection; checkimages have the ability to be stored for future deposits (ie. in thecase of post dated checks), where the system can be set to deposit acheck (or an unlimited number of checks) on a specific date forprocessing; device comprised of pre-installed connectivity ports (suchas USB, firewire, serial cable), antenna, power button, backup battery,rechargable battery, carrying case (for travel), refillable ink andblade slots (optional), send button, preinstalled Wi-Fi/Bluetooth chipto enable wireless capabilities (to allow device not only connectivityto the wireless computer network, but enablement to scan the endorsedcheck image wirelessly without the need for a connectivity port orcable); scanning, and depositing and cashing a check and/or money orderonline (WEDS.OMS system); Device materials being comprised of durableplastic (outside and internal build) comparable to that of a palmpilot's cover/shell plastic, consisting of onboard (integrated)Bluetooth 802.11b Wireless Networking—Wi-Fi LAN and Bluetooth, securedigital slot, biometric fingerprint lock, removable battery, two USBports, two firewire ports, infrared beam, 10Base-T Ethernet, IrDA,transreflective screen with Screen protector, mini flashboard and/ordisk on chip flash, rechargeable removable battery, optional flashprogramming port, internal Bluetooth, memory chip and virtual memory,extendable antenna and holder and feeder, bank identifier switchers,window scanning device (both small and large), with a swipe head readerthat reads the numbers on the device to ensure wireless connectivitywith the software).
 3. The method of claim 1, further comprising ofnon-check documents that fit the size capacity can be scanned andwirelessly transmitted to the computer network, linked to the useraccount for document service option (ie. Record keeping option, and/orprinting option, and or, to accompany OMS records for unified print anddocumentation of document scanned and user's OMS accountrecords/database.
 4. The method of claim 1 further comprising of useraccount origination to be processed at the bank, where user identity isconfirmed and verified, and given login information and a userauthorization number in order to register their account online,alternatively allowing the bank to opt to set up/originate the user'sonline check deposit account at the branch, where signature authenticityis obtained for verification—where the prospective user must sign“signature cards”—to confirm their the authenticity of the usersignature before the account is set up, allowing the bank to verify andcompare signatures of the one given at the branch, versus the endorsedchecks being wirelessly submitted for online check deposit, whichenables the bank to take preventative steps of caution, to preventfraudulent check deposits and user is required to give their fingerprintand have picture taken to link his/her account to the OMS for futureprocessing, user then receives preauthorization code, to set upinitially online, or may opt to have it set up at the bank on theirbehalf, while user is present at the bank; user will pre-register theirdevice to their pre-set up and originated user account (including modelnumber, device serial number and registration number, date of purchase),so that all scanned images sent from that device are automaticallylinked to—and delivered to the user's online account (verification anddocumentation of product registration is required); once delivered, theuser will receive an email alert/notification (to whatever email addressthe user has entered during in their email notification request area attime of user account set up and origination) that informs the user thata new image has been received for deposit; The user must then sign in,verify the check information (routing number, checking account number,date on check, check owner's name and bank name, user's name, date ofdeposit, amount of deposit, user's bank information for deposit, etc.),and choose the option to send the user's endorsed check image to thecheck owner's bank for fund verification, and check clearance; oncecleared and approved for deposit with financial institution—the checkowner's bank can either A) electronically deposit the funds into theuser's account (voiding and recording the check transaction) or B) sendverification to user's bank—which will guarantee reimbursement of funds,where the user's bank will either A) deposit the full amount of fundsinto the user's account until the full check amount clears or B) allowthe user to borrow against their account, to supply them with immediatecheck credit until the processing time frame of the clearing the checkhas completed and the user's bank has been refunded (the full checkamount or partial check amount deposited in increments is transferred touser's account is fully up to the discretion of the check owner's anduser's banks and/or financial institutions)—bank has option to use theabove processes, or give OMS authorization to do so on their behalf (iffederal reserve authorization process to remove funds from one accountto the next is not being exercised, and the above mentioned procedurehas taken place); furthermore, the capability of alternative fraud andmanual error prevention for those utilizing WEDS and OMS system takingplace through (optional) check voiding ability, (1) Paper check Voidingink process where ink blotches or ink imprints are marked onto the checkin a uniquely designed pattern, which automatically voids the check out,and makes the check information no longer visible; (2) Paper checkvoiding cutting process, where thin, light, yet sharp cutters or bladesare pre-installed in the device (option to change the blade to upkeepsharpness)—which makes light, yet distinct incisions in the check from amultitude of angles and patterns, in unique patterns, The ink patternsand blade incisions applied to the check take place during thesuccessful captured and transmitted image scan of the check, the checkwill not release until the scan has been recognized as successful; oncerecognized as successful image receipt, the check voiding process beginsBefore the check is completely released from the device; (3) The dollaramount and number of checks that a check deposit user is permitted todeposit online/wirelessly is limited to a set number by the bank (to acertain amount of transactions allotted per user in a 24-72 hour timeframe—in addition to monthly usage/transaction allowance), along with asecondary predetermination set by the checking account holder/owner (inaddition to watermark print option on check once it has been submittedthrough the device, to prevent in person fraudulent check cashing and/ormoney order cashing at banks, financial institutions, check cashingcenters, and us postal service centers where it indicates the paperdocument is void—which allows presenter to be identified as fraud, inaddition to capability of checking system database for that paperdocument to have been automatically logged using OMS); (4) Check depositUser Identity verification where the user must register for use of theservice; this registration takes place, where the prospective user goesto the bank, and presents identification to the bank, along withproviding fingerprints to register for use of the system (fingerprintoption is an optional feature that can be added depending upon userneed, and bank discretion—for internal user rights and access), Theuser's identification verification and data are recorded, and enteredinto a private database (the private database records all transactionsand requests by all user's/depositors, which includes their banking andrequest information as well); The user database records user'stransaction history, and stores check images anywhere from 12-48 months(on file), where user may use as a reference, should future discrepancyarise; Upon registration at the bank, the user is given an accountnumber, which identifies the customer, and is linked to the bank system,to keep track of all transactions initiated under the user's (deposit)through the online account management system software controllingsystem; depending upon the needs and procedural requirements versus themeeting of client satisfaction needs the bank may set up (or require),the bank may set up account user activation, where deposit user may (ormay not) have to wait for a pin number to be mailed to them throughtheir local postal service (regular postage mail, priority mail,overnight mail), in order to activate the user accounts, to initiatedeposits; Once the pin number (given at bank or through the mail), inaddition to the user deposit account number, the user must then set up auser login, and password online (through the online account managementsystem software which processes the transaction)—to be associated withthe user's account number, to activate the capability, and beginWireless Check scanning and delivery of endorsed paper check images foronline deposit request.
 5. The method of claim 1 further comprising ofHandheld Wireless Electronic Check Deposit Scanning and Cashing Machinetravel size device capability to capture image of check in a smallerview, in order to scan substitute checks that may come in a smallersize, For instance, if the law provides the option for substitute checksto be 2 inches long 2 inches wide, the device will allow miniature imagecapturing of that size, and allow the size to be maximized upon thedelivery from the WEDS computer network to the OMS system for easyviewing; device and Clamp connectivity option having adjustable unitoptions—also where size height, length and width measurements devicesvary (smaller and/or larger) of 6½″-8″ long, 1-4″ height, 1½″-3½″ width,1″-9″ high.
 6. The method of claim 1 further comprising of user's mobiledevice must be Internet capable (i.e. Bluetooth installed, dial upservice using phone as a modem, wireless service provider browserserver/service)—which would enable user to connect to the Internet (andpossibly download computer program software to navigate offline) andmanage online check depositing transactions and preferences; detectionand transfer of images occur securely while offline, where image isstored, but inactive for processing, until user manually links the datato his/her OMS user account for processing.
 7. The method of claim 1further comprising the step of delivering an email alert, and or textalert notifications that verify to the check owner and user/depositor ofonline check deposit transactions along with deposit attempts,successful and completed wireless check deposit transactions (forwireless electronic check deposit request), along with general checkinformation—such as check number, check amount, date on check, checkendorsement information, etc., which is a accompanied with atransaction, which is recorded with the bank, and attached to eachspecific transaction; and all transactions are recorded on the OMSsystem, and with bank through a work “cue” that reflects successfultransmissions, unsuccessful transmittals, uncompleted transactions, andrequests sent and delivered to the system (to monitor consistency on thesystem, and prevent fraud)—where an email and/or text alert notificationto the payee and payor once the check has been cleared and the fundshave officially been deposited—thus, bank keeps all wireless electroniccheck deposit transactions and transaction attempts (i.e. images, useraccount transactions, checking account activity relating to the wirelesselectronic check deposit system) on file for 12-24 months, 3-5 years,for the life of the checking account, or up to 2-6 years after the lifeof the checking account, allowing the bank, check deposit user, andcheck account holder to keep all transactions on file for legal andfraudulent protection purposes; user also has the option to write andprint checks (using a third party application—i.e. intuit or checkwriting feature on OMS which allows user to write check on OMS and sendthe image electronically to another OMS user account, so the monies canbe withdrawn from one OMS account and funds made available in anotheraccount)—using OMS system of check writing (check number and imageimmediately recorded and stored, and send to OMS users bank to void thecheck out; in addition to (optional) check cashing center databasenotification.
 8. The method of claim 1 further comprising the stepproviding the option for OMS (and/or bank) to decide to, or not to allowuser to borrow against his/her account in order to cash a business,personal check, and/or business check, and/or user out of state checkwhile funds are being processed, to allow user to receive immediateavailability of funds into user account.
 9. The method of claim 1further comprising of the device characteristics including the optionfor the wireless electronic check deposit scanning machine system deviceto have built in web browser and server chip to process and controlwireless image delivery, and request for deposit in one unit; along withthe device allowing one to several (the capacity to scan 1, 30, 300,and/or 3000+ simultaneously—using a variation of devices to handle thecapacity requested to operate scan and transmittal)—through devicesvariation of size thus, One device variation will be the size of apersonal paper check, the other will be the size of a personal digitalassistant, the other device variation size will be the size of twopersonal and/or business checks that will come with a holder to placethe checks into, in order for checks to be scanned and sent through thedevice to the network at a faster rate; scanning more checks in a 60seconds or less) simultaneously checks to be scanned and wirelesslytransmitted and delivered for online check deposit simultaneously, togrant user ability to wirelessly scan many checks at the same time usingthe window feature or multi feeding feature; hardware device has: 1)switch that identifies all bank accounts pre-registered on the account(so when the check, money order is swiped through the device the devicethen knows (through WEDS) what account to send the image to for OMSprocessing—user registers using the OMS to provide bank information anduser account data, in order to designate scanning transactions tospecified banking location (for example, A, B, and C are labeled on thedevice where user registers on the OMS, so label A goes to user's firstbanking account, label B commands deposits and/or cashing for user'ssecond banking account, and label C commands deposit/and or cashing foruser's third banking account—which goes into user's checking accountusing WEDS to transfer and OMS to process data images) so user can havetransmittals go to specified banking accounts for specific transactions;2) window of scanning device that can be pulled out, so checks (and/or)money orders can be scanned through the device for OMS processing. 10.The method of claim 1 further comprising the step of the bank (locatedon the check) verifying with the user whether that feature is availableon the account linked to the check; before that information is releasedthe user must first give the bank the hardware registration number,which will be identical with and intertwine with the softwareregistration number (—which arrive to user collectively for option touse hardware with software—registration number is unique and identifiesand links each individual user with their banking account—thus, may havecharacters, model and serial numbers combined with user banking accountselected number), so no two device registration numbers (on hardware orsoftware) are alike, the hardware is initialized by the software, inwhich they both are integrated and work together, relying on one anotherin order to communicate with one another for operation activation and/oruse—thus only the unique hardware registration number and softwareregistration number (which may or may not include a variation ofnumbers, that are identical with the user's banking account numberand/or routing number can communicate with each other only—so thehardware is dependent on the software and vice versa in order foroperability of WEDS hardware (Wireless Electronic Check Deposit Scanningand Cashing Machine—wireless transmission of data); and OMS software(web-based Online account cash Management solution computer applicationsoftware System (also known and referred to as OMS virtual/live teller)operating and intertwining as a whole (i.e. Thus, if hardware is stolen,it cannot be used, because it was created to work with the specifiedsoftware program and hardware device it was uniquely created for;attempt codes, which will be logged into bank records—each registrationnumber is unique, and is tied to each individual user's banking accountand/or routing number in order to operate, that it identifies all bankaccounts—so the numbers can connect with the bank (user's bank, andcheck owner's bank); virtual teller (which is OMS, and includes livehelp in Instant message format during business hours on the OMS website,available to registered users who may wish to ask questions from a liveteller regarding their OMS online account) acts a liaison between checkholder, user/depositor/casher to verify funds, and gain permission tomove funds (for the check amount) from one destination (i.e. the checkowner's banking account) to another specified destination (i.e. into theuser/depositor account) which reflects as a wire/electronic transfer forimmediate and/or expedited funds availability processing time frame (theoption for OMS to link with bank, check cashing, US Postal service,Western Union (and the like) database to verify and gain electronicapproval for cashing and/or depositing—making funds available touser/depositor/casher (western union option for wire of funds to user tobe available for OMS account deposit, where user can have funds and/orcheck delivered to OMS account, log on and direct funds which accountand for how much to make funds for in whatever banking account userdecides to make the deposit in—through OMS linking to western union toreceive wires and checks being made payable to users through westernunion, so the user does not have to: 1) go into a western union locationto retrieve their funds and/or 2) give out their personal bankingaccount information (OMS creates specialized account to receivemonies)—it is made available through OMS—where user can receive thefunds online, and direct the OMS in which account(s) to deposit themonies in—user can deposit in increments—Example: user receives a wirefor $1,000.00 from western union—user can then have the monies sent totheir OMS account, and direct OMS to deposit $500.00 in account A,$250.00 in account B, and $250.00 in account C, for a total of $1,000.00made available to user for immediate use in three specified areas) andtransferable and/or allowing points of authorization ability to view OMSchecks and money orders deposited as fraud protection)—requesting fundsto gain authorization to verify and make funds available from checkand/or money order depositing and/or cashing on behalf of user throughtransfer of funds authorization, then making monies available touser/depositor/casher, through authorization from Federal Reserve Bankapproval, and/or financial institution/bank (user's, and check owner's)approval, and/or check cashing and postal service database approval,using the OMS, as virtual online teller; device has lock securityfeature (option), where the user must enter a passcode in order for thedevice to be operable once power has been turned on; the user may setonline preferences that will enable him or her to deactivate use oftheir device should it become lost or stolen; After the device has gonewithout use for a specified time frame (i.e. 24-40 hours or 2 weeks),(option to where) the device becomes automatically inactive, wherefurther use is no longer possible without re-registration; User mayre-register the device through his or her online account, and afteranswering specific security questions given during initial registrationmay be completed for continued use of the device, which is a securityfeature allows the user to keep fraudulent scans that may occur—inaddition to user registering his/her hardware device (wirelesselectronic check deposit scanning machine) on the OMS in order to trackdevice uses/transactions—also where user must log on to system in orderto view endorsed check image; if lost of stolen device, the user can logon to his or her online account, and notify the manufacturer's customerservice, where the device can be set to receive no signal, so scantransmissions will not go through, and will not be delivered, they willbe unsuccessful transactions, and listed as a stolen device under thatserial number; manufacturer's authorized technical support and warrantydepartment upon receipt of the actual (or deactivation of unit, makingthe device unavailable, un-optional for service and/or connection to theOMS to fully utilize WEDS.OMS) unit for resale or repair (through OMStechnical support), etc. will reset the registered software forcommunication with a replacement device.
 11. A computer program thatreceives and manages wireless transmission of data (check and moneyorder images), which contains a software registration number that isconnected to a hardware user registration number on the hardware device,that has a unique numbers and/or characters that identify eachindividual customer, once transmittal of image(s) is received withconnected unique transmittal number (that identifies the customer) thesystem automatically delivers the image to a specified area on the OMS(which is the OMS user's account viewing area); program verifieselectronically with federal reserve bank, financial institutions/banks,check cashing center databases, post office center databases to verifycheck data, user data, and to gain permission to transfer funds based onthe data received by the OMS; program acts on user's (depositor, and orcasher's) behalf by processing teller transactions online, in a wirelessenvironment; program capable of linking with money ordering systems andinfrastructures through electronic notifications, authorizations, andpermissions, to enable user to print money orders online (which will beinput into OMS database system, that records and notifies check cashingdatabase centers, and/or money order database centers, and/or postalservice centers' system databases of money orders purchased andcashed)—Includes specialized, unique print and bar code which reflectson user's print out that can be scanned upon presenting for cashing),and cash money orders online and checks online (through electronic fundstransfer, through wiring of money, and through OMS allowing user toborrow against their account to make funds available immediately intheir checking/banking account); conducting wireless electronic checkdeposits—using a system that wirelessly recognizes received images, fortransfer of data and, copying and verification of data, along with banksubmission of transaction information, linking wireless transactions toan online user account, which processes the wireless electronic checkdeposit process; the system acts as an intermediary tool that providesthe user and bank with information in the form of encrypted/protectedimages, bank and user information; It controls the transaction alerts,and records and delivers information; Information being recorded anddelivered consists of receiving user information submitted, deliveringdata to the bank in a secure manner, receiving reply and instructionsfrom the bank, which is delivered through the system computer programback to the user to advise of the outcome of request; In addition tosending out notifications to all parties of final outcome of the attempt(via email, text message, postal service correspondence mailing); user'saccount is linked to his or her bank/financial institution, whichprevents fraud, and makes deposit process quicker and more efficient.12. A computer program of claim 2 for executing and maintaining onlinesecurity assurance along with successful, completed transactions andtransaction attempts; through blocking unknown, unauthorized,un-programmed/unidentifiable data and file transmission or alterationattempts and deliveries during, after, or before data transmissions—Thisprevents outside, unauthorized users from attempting to corrupt,un-code, read, block, freeze, or copy data to gain access to hidden andprotected images, and encrypted data during data transmission, andcapturing user picture on user's webcam for check cashing processing,money order processing requests, and may or may not require for checkdeposit processing requests (for expediting requests to borrow againstuser's account); high security level prevents data leakage (i.e. clientdatabases; transaction histories—including successes, denials, attempts)and visibility or access to unauthorized parties, by encoding andencrypting data files, and locking and distorting data image views thatmay be viewed upon entering a unique password and useridentification—that can only be launched through the registered websiteon an authorized computer network—only accessible through banks andfinancial institutions; software can be pre-installed for workingoffline, where the user can scan and save check images to his/hercomputer, for future deposit (i.e. future deposit date, post datedchecks for future online delivery, to serve as backup should scan not besuccessful wireless delivery attempt, etc.) through firewireconnectivity port, USB, or serial cable—where the check image can bedelivered to desktop computer, laptop computer, mobile device, pda,and/or any other Internet enabled device with USB, firewire, and/orserial cable, which would permit users to scan offline, using aconnectivity port, with the option to send that endorsed check imagewirelessly onto the online system (OMS); data cannot be requested forsubmission, and wireless electronic check deposit request cannot beinitiated, until user has registered with their bank for onlineregistration information; until the code has been accepted and accounthas been set up online where user has created a user password andidentification number—The system creates a user account number which mayor may not be a combination of the original access code given to theuser at the bank—along with user's banking account identificationnumbers; upon account set up and registration with the user's bank, theuser is set up for processing wireless electronic check deposits (check,money order cashing) for any personal check, business check, governmentcheck, money or (who's users or—in the case of the government departmentheads—have authorized wireless electronic check deposit feature as anoption); granting bankers the option to include Saturday hours as anoption to include in their processing time frame notification is anoption for bank or financial institution users (check owner'sbank/financial institution); feature allowing banks to include a sectioncalled/labeled “bank notes” or “bank notation” where they can poststipulations, regulations, processing time frames, and additionalclauses, etc.—so when the user selects the check holder's bank to submitthe request for wireless electronic check deposit request, the banksnotes will be visible; account registration having automated informationrequests and options for the user; requests such as user's code given bythe bank, first name, last name, complete address, email address, socialsecurity number (or last 4 digits alternative), mother's maiden name,phone number, work number, cellular phone number, bank references,employment history, etc. Automated options including alerts upon receiptof request, alerts upon processing of transaction, alert uponunsuccessful transactions (denials, incomplete submissions), option tocopy account information to other banks for future transactions withselected banks.
 13. A computer program of claim 2 where forwardingcapabilities where check image can be forwarded online to anotherdestination via email and/or fax, where user can set and customizecommands that automatically comply to user set preferences (i.e. checkimage storing time frame, deposit request for specified deposit date,etc.), along with print option—where user/depositor can have check imageprinted to a designated printing location—which may or may not be presetto only print general information (i.e. not check owner's address,account and routing number, check owner's signature, etc.) to protectcheck owner's privacy for user/depositors who wish to print the checkimage; with printing option, where sensitive check owner data of thecheck image is unreadable (as in FIG. 4—A and B); alert options andsettings, record of transactions (where receipt can be printed, and/orOMS account user's transaction and conformation page that recorded andconfirmed transaction—deposit, cashing of money order/check, and/orverifying purchase of money order), and endorsed check images anddeposit data on file, live teller option feature, liaison capability toverify transfer and disperse of funds for electronic deposit EFT, setlanguage capacity—English, Spanish, Greek, Chinese, Hebrew, Japanese;user log in and preference setting capabilities, along with levels ofsecurity (including password changes, bank account deposit account datachanges, etc.); purchase of money order available through authorizationto link OMS with and internal and/or contracted connection with USPostal Service (by OMS purchasing Xamnt of money orders, and selling toOMS account user as a third party vendor, and/or OMS receiving fundsfrom OMS account user, then purchasing directly from US Postal servicesystem electronically, allowing OMS account user ability to printspecially coded, bar code protected, system documented money orderonline through OMS); both check owner, and endorser's signatures areverified (in addition to depositor's, casher's picture being captured onlive (USB, serial, or wireless webcam) web cam for security purposes.14. A computer program of claim 2 comprising of fax option (based onsoftware use, when user is opting to not use hardware), whereuser/depositor signs up and is given a unique fax number (identifiableto user's OMS account and banking account) which is linked to thewireless computer network (WEDS network), which allows the endorsedfront and back check image to be captured, received, and delivered tothe OMS for check deposit, check cashing, money order cashingprocessing—where user must then link their webcam to the network forprocessing request to be submitted and processed (to confirm useridentity and verify transaction request “live”—as an added securityfeature—to prevent fraud); fax option can be used for checkcashing/depositing, money order cashing, and future deposit(s) (ie.Commanding the OMS to deposit two weeks from initial delivery onto OMSuser account) request(s); software system feature allows Live, Onlinecheck cashing and money order cashing (along with money order deposits,check deposits, and money order printing) option, that allows user tocash a check, and/or money order with the use of WEDS to deliver the(endorsed) check, and/or money order onto the OMS for processing;consisting of the following steps: 1) (endorsed) check, and/or moneyorder image is sent wirelessly to network, and linked to OMS (fordelivery to user's OMS account); 2) image is retrieved after user logson; 3) user is then able to request for check to be cashed, or moneyorder to be cashed (which will appear as a electronic funds transfer; 4)OMS verifies, user, check/money order data (by verifying with federalreserve bank, financial institution—in the case of money order—postoffice centers and databases, and check cashing centers and databases)for approval to move funds from specified area (i.e. Check owner'saccount), into user's banking account as an EFT; 5) verifies useraccount info and system (to ensure check and/or money order has nomultiple deposits, or cashing transaction histories (multiple depositsallowed in the case where user is depositing with check owner's writtenand submitted permission, monthly payments, and/or donations to abusiness and/or organization for the same dollar amount, and on the sameday of every month—which acts as an automatic payment, or automaticdonation of funds removed from check owner's account on a specific date,at a specified time—i.e. Weekly, monthly, quarterly, and/orannually—from check owner's checking account, into depositor'saccount—referencing the original check image as added authorization todeposit); 6) verifies and captures image (photo) of user's live imageseen and connected to OMS through user's web cam, in addition torecording user's ISP address, and account data; IRS and tax preparationsoftware feature in connection with system options, that allows user tohave bank account transactions (sales and revenue) itemized andorganized by month, quarter, year—separating personal from businessexpenditures, preparing user for taxes with suggested tax forms foruser's state and account; allowing user to enter donations that have notbeen reflecting on account and print up itemized charts and workflowsheets (to attach with physical receipts not utilized through user'sbanking account, locating business expenses and tax write offs for usertax and accounting preparations; acting as bookkeeper keeping a runningbalance of user's expenditures, sending alert notifications (vie email,text messaging, and/or automated voice messaging) when balance reaches acertain figure (determined by the user), when expenses and/or revenuereach a certain dollar mark (determined and entered onto OMS by theuser); automatic grouping(s) of finances and automatic expenditure isprocessed based upon how user groups transaction history and dataprovided on his/her account, which is printable—separates personalexpenses and/or revenues and donations from business expenses and/orrevenues and donations, in addition to those purchases and/or donationswhich can be written off—features allow OMS user to utilize OMS accountdata and transaction history, in addition to the ability to addtransactions not reflected on bank account, to prepare WEDS and OMSSystem account users with financial organized documents for tax documentpreparation.
 15. A computer program of claim 2 further comprising of thewireless electronic check deposit scanning machine is connected to awireless computer network, which is lined to an online web-basedcomputer application (controller) system where check deposit becomes arequest that OMS obtains verification (acting as a liaison between theuser/depositor and his/her bank, along with the check owner's bank, andprocesses either through the Federal Reserve Bank, and/or through theuser/depositor and check owner's bank where the funds being depositedinto the user/depositor's account is performed as an EFT (electronicfunds transfer) into the user/depositor's bank checking account foronline check deposit; enables user ability to control operationalmaintenance through the option to set preferences to include “banknotes” or “bank notations” with their email notification alert ofwireless electronic check deposit request.
 16. A computer program ofclaim 2 comprising of where TCP/IP, IPX/SPX, or comparable communicationtool is used to enable communication over the internet (from WEDS toOMS—so hardware and software are integrated) wireless check and depositscanning device are then able to communicate with the wireless networkover the internet (using WEDS and OMS as a whole unit—one entity) thatlinks (and delivers) the endorsed check(s) and/or money order image(s)to the OMS for processing; operating system of Linux, Unix or comparablecomputer operating system tool to function as a secure server forWEDS.OMS system; software programming language tool Java, C++, orcomparable language tool enables use of the software program (OMS—whichwill allow software OMS, to communicate with the device, using WEDS,through pre-programming—Thus, the hardware cannot act and/or performwithout communication with the software; sending commands and receivingimages for operation) on Internet enabled mobile phones, pda devices,all Internet enabled devices, desktops, laptops, in order to navigateand set commands using the web-based application controller softwaresystem—in addition to setting security user capabilities to the masterprogram; execute commands set forth by online user/depositor (i.e.receive check images through scanning device it communicates with, andis linked to, verification of the endorsed check image data through userlog in and typed verification input, confirm data with check owner'sbank, and the like thereof; images can be viewed as a jpeg file, giffile, tiff, pdf file or any other image viewing enabled, readable formatfile, preinstalled in the software for easy viewing—which can beinstalled on an Internet mobile device, laptop, desktop, pda, and/or anyother Internet enabled device.
 17. A computer program of claim 2comprising of allowing the user to utilize a non-endorsed check imagefeature, where the user can wirelessly scan and have delivered intohis/her account (OMS) any image that will fit the size of the device;check owner has the option (depending upon discretion of the bank) tokeep a record of all wireless electronic check deposit transactions thathave taken place under the checking account until the bank delivers astatement showing the check deposited wirelessly along with transactionnumber.
 18. A computer program of claim 2 further comprising of where avariety of protective image slides (also known as protective imageblockers) are pre-installed imprinted onto the image (single slides orcombination of slides) and encrypted to prevent view of image during allwireless and online data transmission, where the mage has distinct, yetunique security features, where a single and/or combination ofcharacters, numerical figures, and designs operate together to make theimage unreadable and undetectable, and upon receipt of the image, theprotective image blockers or protective image slides are released, whichcan be done through a number of ways—A) upon successful delivery—theimage is automatically released and delivered to a specified area inwhich only authorized users of that feature may view the image (i.e.authorized wireless electronic check deposit account user can view theimages scanned and linked to be delivered to his or her account;authorized bank user who receives image, and initiates the wirelesselectronic check deposit verification process) and/or B) the user mustgo to a specific area to release the protective image blocker/slide tounblock the image (option A, option B, or a combination of the two maybe exercised, depending on the discretion of the bank)—and pre-installedslides are encrypted.
 19. A computer program of claim 2 furthercomprising of language preferences where the user may operate and linkhis or her account online in English, Spanish, Chinese, Hebrew, French,Russian, Portuguese, Japanese (along with a multitude of other languagealternatives); option to save and backup coded transaction informationto an external device; option for user to sign onto to his or heraccount to register a mass request to registered banks (banks who haveopted to make this service available to their account holders)—for arequest to copy the user account information into their database forfuture transactions—this feature is entirely up to whatever banks decidethey want to add their contact information for user contact; users bankhas the ability (depending on user request or acceptance of feature) tocopy registered users information to select banks (that user hasrequested or authorized) for recording of future transactions—thus,user's info will be in bank's database prior to wireless checkdepositing transaction request is initiated.
 20. A computer program ofclaim 2 further comprising of an ability that prevents duplicatedeposits (of the same exact check amount—without the check ownerswritten permission to process repeated deposits on the same check)through a preauthorization that verifies the check information (checknumber, check amount, routing and account number, signature) does notexactly match any previous deposits linked to the users account; Inaddition, the final authorization is through the bank, where thewireless check deposit request linked to the users account automaticallyscans the entire bank database to process an automated search to verifyno like items have been requested—which is another feature to thiscomputer program; allows the system to prompt the bank to do a secondarycheck on the checking account owner's account once the automatedcomputer program initiates and launches the banking system's history tolocate like/similar/exact wireless (and paper checks) check deposittransactions and requests—this important security feature verifies thatno like items have been deposited (i.e. check number, check amount,date, etc.), before funds are verified for deposit, before entiretransaction process begins; once a pattern of deposits or similar/liketransactions have been detected (i.e. same or similar user depositingmultitude of checks for same or similar amount, wireless check depositsin small, large, consistent, constant, frequent increments, etc.) forwireless (or paper check) deposits, the computer program systemautomatically does a security scan for fraud protection check andnotifies the bank of the pattern through an internally secure onlinesystem alert/notification—prompting the bank to further investigate thetransaction, check owner account, and user account.
 21. A computerprogram of claim 2 further comprising of an WEDS.OMS workflow and queryscreen (that can be set in the preferences menu to occur at a specifieddate and time on an annual, weekly, or monthly basis) which lists alltransactions completed, attempted, approved, denied, incomplete—Itincludes user name, account number along with check information—thisfeature allows bank users to customize a system that will enable them tomonitor selected, unique, transactions that fit their specified profile(i.e. programming the computer system to find all transactions that fita particular dollar amount, user id, checking account number and/orsignature pattern—along with additional user options); computer programsystem can be installed on a desktop/laptop computer (for desk use), andcan be downloaded onto a mobile device (for use while in travel); oncethe computer program is installed, users can connect device to thecomputer/Internet capable device (through USB or firewire connectivityport); once the device is connected to the computer/Internet capabledevice, the computer program's icon (which will allow access to theprogram) will be on the desktop/home screen; once it recognizes thedevice, user can press the status button on the device and the computerprogram will automatically open and gain immediate access to the onlinesystem it is linked to, the user is then able to log in with usernameand password to begin making commands in the computer program systemonline management service (OMS).
 22. The claim of 2 further comprisingof the option for user to receive a check via fax to be wirelesslyelectronically deposited into their account; the check account ownerwould call the bank for a unique processing code number (may be numbers,characters, symbols, or a mixture sum or all)—which serves as proof thatthe bank is aware of the transaction about to take place—Upon receipt ofthe front and back copy of the signed check, along with the processingnumber given to the check owner by their bank—the user verifies theinformation and forwards it to their bank (through the computer programsystem online account management system) and requests for check ownerinitiated wireless electronic check deposit; the user's bank (linked tothe computer program online account) receives, verifies (with the checkowner's bank), records and processes the check, an email alertnotification is sent to the account user and the check owner to informthem of the processing status and time frame, along with a transactionnumber for the completed transaction—this option makes it possible forthe user to receive signed, valid checks from the check owner via fax,to directly deposit into their account, Security of delivery of thecheck is low due to the fact that the check owner is faxing it throughtheir personal (secure) system OMS (online account management system) toact as a liaison between check holder, user/depositor to verify funds,and gain permission to move funds (for the check amount) from the checkowner's banking account to the user/depositor account as awire/electronic transfer (to expedite deposit time frame), throughauthorization and confirmation with the Federal Reserve Bank, checkcashing center database, US Postal Service money order database systems.23. A software system capability for optimized, high level security (andmaintenance for OMS and WEDS) alternative options (i.e. Setting internaluser security levels, and bank security internal authorized users andsecurity features, etc.) to be used (in a secure, wireless, electronicenvironment) internally at financial institutions, banks, and/or anyother establishment that has access to the OMS and WEDS system, wheremultiple users may have access to system database managed by acorporation, or government entity comprising of an optional fingerprintfeature, where in order to gain (higher authorized) access to the(sensitive, high secure data) account, the bank authorizer must providea copy of their fingerprint which is embedded into the system to serveas identification where only that person can use and operate detailedtransaction data (for previous, and current transactions—such asdetailed endorsed check image and information; detailed check ownerinformation—such as owner's name and address, bank routing number andcheck account number, check number and date, etc.; and detailed userinformation—such as their account number, transactions they have madethroughout the life of their online account, etc.); system can detectuser level of user rights, accessibility, and capability rights tocontrol and preset user rights and options, set by fingerprint imprintrecorded and securely stored into he system database for print matchingavailability (i.e. system gives online users/depositor limited usercapabilities and access set forth and programmed through the softwarethat is linked to the OMS for processing—which limits user/depositoronline access areas, and levels of controls and commands that can be setfor through the website and/or while working off line); and capabilityto recognize authorized bank user's fingerprint through a touch screen,The touch screen may be third party hardware that is identified andinstalled to recognize the fingerprint (through the software system),and link to the online system upon database authorized bank user'sfingerprint data bank (that records all authorized bank users) that willrecord the fingerprint imprint and match it to an exact matchingfingerprint in the data bank to allow authorized bank user access to thesystem (WEDS.OMS).
 24. The system of claim 3, further comprising oflogin in password that is delivered to authorized bank users (which canbe updated every month, every other month, or every quarter)—which canor cannot come with an additional access pass-code question (in generalor in the event user log in info be misplaced or forgotten)—Before theauthorized bank user is prompted to provide his or her fingerprint foraccess to the system; Authorized bank users are allowed detailed andfull access to online transactions—which allows review of transactionhistories (i.e. user information, check amount, check number and checkdate, etc.); secondary, less authorized bank user level (herein known asthe secondary bank user), where secondary bank user is given less accessto the system than an authorized bank user—This allows only for theauthorized bank user to view general information regarding the checkowner's banking data, along with a limited amount of account user datawithout recorded and approved authorization of higher authorized bankusers—The main function of the secondary bank user is to verify andtransfer funds, verify image data, and verify both user and check ownerinformation before a transfer of funds takes place, the secondary bankuser verifies and authorizes check information to permit approval forwireless electronic check deposit into user account.